2 1 Shi Ji Jing Ji Bao Dao·2025-09-01 04:28Core Viewpoint - Zhengzhou Bank has demonstrated impressive performance in the first half of 2025, with significant growth in assets, revenue, and net profit, reflecting its commitment to serving the local economy and small enterprises [1][2][5]. Asset Growth - As of June 30, 2025, Zhengzhou Bank's total assets reached 719.74 billion yuan, an increase of 43.37 billion yuan from the end of the previous year, marking a year-on-year growth rate of 11.47%, the highest since 2018 [1][2]. - The bank's asset growth is closely aligned with the economic development of Henan province, emphasizing a strategic approach to meet the financing needs of the real economy [2]. Loan and Credit Strategy - The total amount of loans and advances issued by Zhengzhou Bank reached 406.09 billion yuan, with an increase of 18.40 billion yuan, reflecting a growth rate of 4.75% [2]. - The bank's loan structure shows a dual-driven model with corporate loans at 274.62 billion yuan (up 2.11%) and personal loans at 94.56 billion yuan (up 3.96%), indicating a tailored approach to meet diverse customer needs [2]. Retail Business Performance - Retail business income reached 1.236 billion yuan, a record high, with a year-on-year increase of 3.56%, establishing it as a strategic pillar for growth [3]. - Personal deposits surged by 39.92 billion yuan to 258.10 billion yuan, reflecting a growth rate of 18.3%, indicating strong trust from local residents [3][4]. Consumer Loan Growth - Personal consumer loans exceeded 20.6 billion yuan, with a growth rate of 20.72%, while maintaining a low non-performing loan ratio of 0.67%, significantly below the industry average [4][5]. Profitability and Cost Management - The bank achieved an operating income of 6.69 billion yuan, a year-on-year increase of 4.64%, and a net profit of 1.627 billion yuan, up 2.1%, marking two consecutive quarters of growth [5]. - Investment income doubled to 1.229 billion yuan, contributing significantly to profit growth, alongside a reduction in business and management expenses by 6.82% [5]. Risk Management and Capital Strength - As of June 30, 2025, the non-performing loan ratio was 1.76%, down 0.11 percentage points year-on-year, with a provision coverage ratio of 179.20%, indicating strong risk management capabilities [5][6]. - The bank's capital adequacy ratio stood at 11.85%, with core tier 1 capital adequacy at 8.60%, meeting regulatory requirements and showcasing robust capital strength [6]. Future Outlook - Zhengzhou Bank plans to continue its commitment to serving the local economy by directing more financial resources to key sectors, aiming for high-quality regional economic development [7].